American Federal Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 6.70 percentage points higher than in Q1 2026, at 123.45%. On loan-to-deposit ratio, American Federal Bank ranks 2nd highest among the 60 banks headquartered in North Dakota, at 111.32% (Q2 2026). American Federal Bank reported 111.32% on loan-to-deposit ratio for Q2 2026, 30.48 points above the 80.84% median for banks in the $100M-1B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $10.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $85.8M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $104.8M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 13.17% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 111.32% |
| Net loans and leases to deposits | 110.16% |
| Loans and leases to core deposits | 123.45% |
| Core deposits to total deposits | 89.67% |
| Brokered deposits to total deposits | 0.50% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 108.80% | 91.45% | $0 | $95.6M |
| Q4 2023 | 105.50% | 90.95% | $0 | $75.8M |
| Q1 2024 | 109.75% | 90.20% | $0 | $91.0M |
| Q2 2024 | 117.27% | 89.39% | $0 | $143.0M |
| Q3 2024 | 121.58% | 89.54% | $0 | $164.8M |
| Q4 2024 | 113.13% | 90.06% | $0 | $109.6M |
| Q1 2025 | 107.58% | 89.63% | $0 | $75.9M |
| Q2 2025 | 106.77% | 89.31% | $0 | $73.5M |
| Q3 2025 | 111.35% | 88.38% | $0 | $94.2M |
| Q4 2025 | 106.14% | 89.11% | $0 | $79.0M |
| Q1 2026 | 105.64% | 89.98% | $0 | $71.5M |
| Q2 2026 | 111.32% | 89.67% | $0 | $104.8M |
American Federal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock American Federal Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full American Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29140) · FFIEC NIC profile (RSSD 637170)